Sleep Number Visa Card
Basic Information
Program ID: sleep-number-visa-card
Issuer: Synchrony
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/15/2026 13:45
Last Scraped: 01/15/2026 13:46
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $10 or 3% of the amount of each transfer, whichever is greater |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 0.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $100.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Rewards Program
Reward Type: Sleep Number Rewards
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Sleep Number Purchases, 2x Gas, 2x Groceries, 2x Restaurants
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the account is open and in good standing.
Transfer Partners: N/A
Card Benefits
Protection Benefits
Travel Benefits
Premium Benefits
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: New cardholders may receive a one-time bonus, typically a percentage discount on a qualifying Sleep Number purchase or a statement credit after meeting a specified spending threshold within the first 90-180 days. This bonus is generally limited to one per lifetime per card product. Eligibility requires applicants to be at least 18 years old, a U.S. resident, possess a valid Social Security Number or ITIN, and have good to excellent credit history. Approval is subject to Synchrony's credit underwriting standards. Existing Synchrony cardholders may face additional scrutiny based on total credit exposure and recent application history.
Maximum Cards Per Issuer: 4
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, excessive credit seeking (multiple applications in a short period), high cumulative credit limit across Synchrony accounts relative to income, abuse of promotional financing offers, late payments or defaults on any Synchrony account, suspicious transaction patterns inconsistent with typical spending.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.2 / 5.0
Top Positive Feedback:
Users appreciate the special financing offers and rewards on Sleep Number purchases, making large purchases more manageable.
Top Negative Feedback:
Common complaints include high APRs, limited reward value outside of Sleep Number purchases, and occasional issues with customer service.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Synchrony HOME Credit Card
- Wells Fargo Active Cash Card
- Capital One QuicksilverOne Cash Rewards Credit Card
Card Value Score: 60.0 / 100
Est. Annual Rewards: $120.00
User Portfolio Metrics
Avg Portfolio Size: 3 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 30% General / 70% Store-focused Co-brand
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 70.0%
Terms Version Control
Version ID: January 2024